"We were thrilled when we had the opportunity to add Bob to our leadership team," Krieder said. "He has a genuine interest in the individuals and businesses we serve, and his personable style fits well with our community banking approach."

Heiple said banks' biggest challenge today is regaining the confidence and trust of customers.

"Commercial banks like FNB are different than the investment banks. When problems hit a downward spiral, it was exacerbated by the investment banks but we all got painted that we were the problem," Heiple said. "We are the solution, not the problem. We are here to be a solution and are not asking for government bailouts."